Call reports 2016
OCONEE STATE BANK — 2016
What OCONEE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 304,932,000 | 314,241,000 | 322,793,000 | 335,397,000 |
| Total loans | 141,592,000 | 144,563,000 | 144,638,000 | 146,622,000 |
| Allowance for loan losses | 1,856,000 | 1,920,000 | 2,017,000 | 2,023,000 |
| Securities available for sale | 127,258,000 | 132,712,000 | 126,790,000 | 127,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,556,000 | 282,932,000 | 290,821,000 | 306,617,000 |
| Interest-bearing deposits | 225,856,000 | 231,790,000 | 235,517,000 | 250,871,000 |
| Noninterest-bearing deposits | 49,700,000 | 51,142,000 | 55,304,000 | 55,746,000 |
| Equity capital | 28,794,000 | 30,280,000 | 30,777,000 | 28,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,573,000 | 5,754,000 | 8,235,000 | 10,732,000 |
| Interest expense | 171,000 | 342,000 | 515,000 | 692,000 |
| Net interest income | 2,402,000 | 5,412,000 | 7,720,000 | 10,040,000 |
| Noninterest income | 510,000 | 932,000 | 1,380,000 | 1,799,000 |
| Noninterest expense | 2,036,000 | 4,134,000 | 6,252,000 | 8,221,000 |
| Provision for loan losses | 56,000 | 113,000 | 169,000 | 169,000 |
| Pretax income | 820,000 | 2,134,000 | 2,716,000 | 3,490,000 |
| Income tax | 223,000 | 520,000 | 705,000 | 969,000 |
| Net income | 597,000 | 1,614,000 | 2,011,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,965,000 | 27,983,000 | 28,380,000 | 29,309,000 |
| Total capital | 28,822,000 | 29,903,000 | 30,397,000 | 31,332,000 |
| Risk-weighted assets | 169,191,000 | 171,574,000 | 169,032,000 | 184,594,000 |